informed decisions

Investment & Retirement Income Planning

Fee-Based Investment & Pension Planning

We help successful consultants & business owners to prudently plan, and transition from full-time employment. We offer a boutique service where a professional and personal touch is our mission.

Informed Decisions Financial Planning is one of Ireland's only non-commission and ruthlessly Independent firms. We enjoy long-term and mutually beneficial relationships with a select number of valued clients across the country.

Who We Best Serve

Prudent

Self-employed consultants and business-owners who have accumulated north of €500,000 of investment and pension assets

Established

Most of our clients are retired or plan to be within 10 years. Our boutique services are specific to their circumstances

Trust & Respect

We work with clients on the basis of a trust and respect for each other. We guide clients on all aspects of their financial lives

INDEPENDENT HELP

Clients seek our help when they finally want to work with a firm that is looking out for them and who do it on a transparent fee basis

If this sounds like you, and you are seeking help, please get in touch here. First step is an initial phone call in total confidence, and at no expense to you.

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Our Expertise

A sample of what we will do for you as part of our MasterPlan™ Maintain Programme

Invite you to consider your future priorities, timelines and objectives
Define the outcomes we are working towards for you
Build a specific and robust financial plan for you using our expertise, and cutting-edge financial forecasting tools
We will tell you what is and what is not realistic, based on your own unique circumstances
Highlight areas where you may improve your financial future
When it benefits you we will implement the optimal investment or pension structures on an independent and secure platform
We know what asset classes and structures provide real returns, and know which ones to avoid
You will have total clarity on what we are doing, why we are doing it, and how it stands to benefit you
We dislike unregulated advice and complex commission-led products – we are truly independent of any provider
We don’t just talk about transparency and openness, we live it in everything we do with you (see Our Fees here)
We pursue very cost effective investment approaches that have delivered the results needed. Likewise, we help you avoid costly fads and other threats to your long term investment success.
You will have access to our combined expertise of over 70+ years with non-standard investment and pension planning (See Our Team here)
As a MasterPlan client Paddy will be your sole advisor
We will proactively arrange planning meetings with you each year and ensure that you are confident in your plan and achieving the outcomes you seek
As a trusted partner we will help steer you towards a better financial future

What We Do

We are committed to truly independent investment & retirement income planning. In the first instance we will work together to create your own Informed Decisions MasterPlan. Only then will we consider any changes in your investment or retirement planning. We then work closely together over the long-term; where we will tell you the unvarnished truth, challenge you when needed, and help you make tactical changes which benefit you.

Our investment philosophy is based on the optimum wealth management and investment strategies available globally. Using expert consultation, we create cost effective portfolios that are diversified and proven. The focus is always on achieving real returns over the long term, not on complexity, high-costs and confusion.

Informed Decisions Financial Planning

Detailed Financial Planning & Cashflow Forecasting
Retirement Income Planning
Investment Performance Analysis & Comparison
Portfolio Design & Implementation
Tax & Cost Effective Wealth Management

Frequently asked questions

Why Work With Us?

A Clear Plan

The Unvarnished Truth

Cost Effective Structure

Real Results

Client Journey

We are currently seeking long term client relationships that match the above profile. We deliver a valuable and personal service, where you stand the highest probability of achieving your goals.

If you feel we might be a good fit, please get in touch to arrange an initial call. When we decide to proceed, this is the journey you can expect:

1.
Getting To Know You

In our first face to face meeting we focus on you. We explore you, your goals, your concerns and the life you want to live. This meeting is at our expense.

2.
Creating Your Informed Decisions MasterPlan

We take what you have told us in our first meeting and create your financial MasterPlan. This will answer your biggest financial questions and detail the strategy required to achieve you and your business financial goals.

3.
Take Action

When it is of benefit to you, we will make the changes required in your structures and planning. We establish the portfolios best suited to achieve your desired results, reduce costs and optimise tax opportunities.

4.
Our Relationship

We know each other well by now. We continue our relationship through meeting each year, and regular contact. We help you avoid costly mistakes, and to stick to your MasterPlan.

Benefits of Working With Informed Decisions

Real Investment Returns

Tax Efficient

Value For Money

Clarity & Confidence

Dedicated Personal Service

Stewardship & Council

Common Client Concerns

When can I comfortably leave employment?

Will we have enough money to live a comfortable life?

How can we avoid losing money before we retire?

How can I get the best returns for my money, without losing it?

Optimum strategy to maximise ARF & AMRF pension draw-down?

Am I missing out on some valuable tax opportunities?

I'm not convinced that our old advisor has our best interests at heart.

What fee are we really paying on our investments and pensions?

We want an advisor that looks out for us, that we trust, and that we can really talk to

A Fair Fee

In all circumstances, you will be informed of all costs before giving the go-ahead on any regulated advice. We express the values we add to client's live here in our Client Care Programme. We do not sell products – we do not earn commissions – we do not predict the future – we do not advise clients to do anything we do not do ourselves with our own finances.

Because we believe in a fair fee in return for what we do for clients, and that total transparency will deliver better relationships, we fully disclose the fee clients pay us.

How We Compare

Important Documents

Terms of Business Privacy Policy

Your next steps

Our Services

Discover the non-standard and client focused services we offer

Paddy Delaney RPA QFA APA
Investment & Retirement Income Planner

our services and fees